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AZAS PROPORSIONALITAS SEBAGAI PERWUJUDAN DOKTRIN KEADILAN BERKONTRAK Agus Yudha Hernoko
Perspektif Vol 12, No 3 (2007): Edisi September
Publisher : Institute for Research and Community Services (LPPM) of Wijaya Kusuma Surabaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (607.112 KB) | DOI: 10.30742/perspektif.v12i3.285

Abstract

The objective of this article is to argue that the issue of equal and unequal position of the parties is irrelevant to commercial contract. The essence of commercial contract that ponders business relationship without interruption does not deal with the issue of mathematical equality; rather it emphasizes on proportional exchange of interests of the parties irrespective of result obtained by the parties. There are three important things in this paper found. First, the principle of proportionality is applied in the entire phases of contract, i.e. in negotiation, formation, and enforcement phases. Second, the principle of proportionality is not perceived from mathematical equality perspective but it is viewed from fair exchange process and proportionate result, which is acceptable by both parties. Third, the principle of proportionality is a doctrine of "fair contract", which improves the doctrine of freedom of contract that may lead to unfairness. It is recommended in this dissertation that jurists, currently be not regard the doctrine of freedom of contract sacred; rather they shall find other philosophical basis to develop "fair contract" procedurally as well as substantively.
ANALISA KADAR “CREDITWORTHINESS” NASABAH DEBITOR DALAM PENYALURAN KREDIT Agus Yudha Hernoko
Perspektif Vol 3, No 4 (1998): Edisi Oktober
Publisher : Institute for Research and Community Services (LPPM) of Wijaya Kusuma Surabaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30742/perspektif.v3i4.237

Abstract

Kredit merupakan bisnis bank yang berisiko tinggi (high risk). Untuk itu penyaluran kredit kepada nasabah debitor harus dilakukan dengan sangat berhati-hati. Kasus-kasus kredit macet yang marak terjadi pada akhir-akhir ini merupakan indikasi belum dilaksanakannya prinsip kehati-hatian dan azas-azas perkreditan yang sehat secara konsisten dan transparan.Untuk itu banak harus melaksanakan prinsip kehati-hatian (prudential banking principle) serta azas-azas perkreditan yang sehat secara konsisten dan transparan, sehingga tingkat risiko (degree of risk) yang harus dihadapi perbankan akan dapat diminimalkan. Pelaksanaan prinsip kehati-hatian di bidang perkreditan secara konsisten, serta analisis kredit yang cermat dan teliti terhadap kondisi internal maupun eksternal calon nasabah debitor akan lebih menjamin keselamatan dan keamanan dana (kredit) yang disalurkan oleh bank. Dengan demikian kasus-kasus kredit macet yang acapkali melanda dunia perbankan Indonesia akan dapat ditekan dan atau dihindarkan sedini mungkin. Lebih lanjut akan berimplikasi pada terpeliharanya image dan kepercayaan masyarakat terhadap bank tetap terjaga dengan baik.
PERJANJIAN PENJAMINAN DALAM KREDIT USAHA MIKRO KECIL DAN MENENGAH Adhitya Pratama Nugroho; Agus Yudha Hernoko
Jurnal Education and Development Vol 9 No 1 (2021): Vol.9.No.1.2021
Publisher : Institut Pendidikan Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (488.16 KB) | DOI: 10.37081/ed.v9i1.2277

Abstract

UMKM memiliki usaha berprospek baik, namun belum cukup memiliki jaminan kebendaan, sehinga secara teknis tidak memenuhi syarat perkreditan dari bank. Hadirnya penjaminan kredit merupakan jembatan bagi mereka yang memiliki usaha yang layak (feasible) akan tetapi tidak bankable. Kegiatan penjaminan tersebut harus memenuhi fungsi sebagai pengganti atau pelengkap agunan kredit, untuk itu diperlukan bingkai hukum perjanjian antara LPK dengan bank. Karakteristik Perjanjian penjaminan, serta sistematika pelaksanaan penjaminan secara proporsional dan tidak menjadikan unjustified unrichment menjadi isu hukum. Secara normatif untuk menganalisi keduanya diperlukan suatu pendekatan perundang-undangan, selain itu dibutuhkan juga pendekatan konsep, sehingga diperoleh kesimpulan. Karakteristik perjanjian penjaminan UMKM adalah merupakan perjanjian penanggungan yang mana bersifat accessoir dan subsidiair, artinya merupakan perjanjian tambahan dari penjanjian kredit sebagai penjanjian pokok, dan bahwa LPK hanya terikat secara subsidiair, yang mana daya kerja perjanjian penjaminan ini adalah manakala debitur tidak memenuhi prestasinya dan terkait sistematika pelaksanaan penjaminan kredit UMKM dimulai dan dibuktikan dengan terbitnya sertifikat penjaminan oleh LPK yang dapat dilakukan dengan dua cara yaitu: a. penjaminan langsung yang mana penjaminan tersebut lahir atas inisiatif debitor untuk itu debitorlah sebagai pemegang sertifikat penjaminan; dan b. penjaminan tidak langsung yang mana penjaminan tersebut lahir dari penjanjian kerjasama antara bank selaku kreditor dengan LPK untuk itu kreditorlah yang memegang sertifikat penjaminan.
Method Determining the Contents of the Contract Agus Yudha Hernoko; Ghansham Anand; Fiska Silvia Raden Roro
Hasanuddin Law Review VOLUME 3 ISSUE 1, APRIL 2017
Publisher : Faculty of Law, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (493.02 KB) | DOI: 10.20956/halrev.v3i1.947

Abstract

The contents of the contract are primarily determined by what the real mutually agreed upon by the parties. By interpreting some certain statements, in this case to determine its meaning, to be clear based on what the parties committed themselves. Why is the interpretation required? In facts, on the many cases provided a valuable lesson, how many commercial disputes arise when the performance of the contract. The dispute begins when the parties have a different understanding of the statement that they use in the contract. Indeed, businesses are very familiar with the business processes that they do, but at the time of the business process are set forth in the contract language and designed by those who do not understand the legal aspects of the contract, the contract can be ascertained open possibility for disputes. The power of contract binding (the contents of the agreement) toward to the characteristic and the wide spectrum of the rights and obligations contractually, basically a contract represents the power of performance among others in order implementing the rights and obligations of the parties. As an instrument to understand the contract, the method of determining the content of the contract (e.g., through interpretation, autonomous and heteronomous factors), further can be used to assess the reciprocation of rights and obligations in a meaningful and proportional contractual relationship.
Characteristics of Party autonomy in a Transnational Electronic Consumer Contract Moh. Ali; Agus Yudha Hernoko
Yuridika Vol. 35 No. 1 (2020): Volume 35 No 1 January 2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (274.183 KB) | DOI: 10.20473/ydk.v35i1.15105

Abstract

International contracts involving legal subjects between countries will affect the law chosen by the parties. Electronic contracts are different than conventional contracts in general. Prominent characteristics includevirtual, paperless and borderless. Determination of legal choices cannot be made with a link-point approach that is generally applicable to conventional transactions. The typical e-commerce characteristics should be special treatment for special contracts. The virtual nature that knows no national borders is difficult to determine in which country the legal event takes place. Paperless nature often overrides accuracy in transactions, especially with regard to legal choice clauses and forum choices.In addition, another character is that electronic transactions are made in standard form and are arranged for the purpose of take or leave it. Generally, business actors have determined the choice of law and the choice of the forum. Electronic contracts place consumers in a weak bargaining position (the weaker party). There are active limitations in determining the legal choice clause, causing consumers not to have an unequal bargaining power, giving rise to a fundamental paradigm shift in the principle of freedom of contract from "party autonomy" to "one-sided autonomy". On this basis, the need for state intervention to provide legal protection in the form of mandatory regulations as an exception to the contractual principle that is absolute becomes relative, namely that the applicable law is not mutatis mutandis law that is chosen by the parties but the law where habitual residence is.
Upaya Tuntutan Hak yang dapat Dilakukan oleh Pihak yang Berkepentingan terhadap Akta Notaris yang Cacat Yuridis Ghansham Anand; Agus Yudha Hernoko
Perspektif Hukum VOLUME 16 ISSUE 2
Publisher : Faculty of Law Hang Tuah University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30649/ph.v16i2.49

Abstract

The deed made by notary has the strength of perfect evidence, both in formal and material aspects. Therefore, a notary must be accountable for the accuracy of the deed formally and materially. If the deed is not made as determined by regulations, it will impact on juridical defect of the deed and on authenticity loss of it or on cancellation of it. If the comer faces a notary to formulate and write his/her action or actions into the authentic deed in accordance with the authority of the notary, and then the notary makes the deed in accordance with the comer request or desire, in this case it provide the basis that it has occurred an engagement between the comer and the notary. Therefore, in addition to the main task that the notary pours the desire or the will of the parties who require his/her services into authentic deeds, the notary also has the obligation to ensure the validity of the authenticity. Act No. 2 of 2014 and the provisions of Article 84 and 85 of Act No. 30 of 2004 on Notary governing provisions of witnesses, do not regulate the procedure of imposing sanctions on the notary, as cost replacement, compensation and interest. Similarly, the procedure of verification to cancel the notary deed or to state that the deed only has the strength of evidence as the deed under the hand.
Urgensi Pemahaman Perancangan Kontrak dalam Pengembangan dan Pengelolaan Obyek Wisata di Desa Kare, Kabupaten Madiun Agus Yudha Hernoko; Erni Agustin; Ghansham Anand; Faizal Kurniawan; Mochamad Kevin Romadhona
Jurnal Dedikasi Hukum Vol. 2 No. 3 (2022): December 2022
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jdh.v2i3.20979

Abstract

Perkembangan obyek wisata dipengaruhi oleh berbagai komponen yang masing-masing memiliki fungsi dan peran yang berbeda dan saling menunjang satu dengan lainnya. Di masa pandemi ini, sektor wisata sangatlah terdampak. Tujuan dari kegiatan pengabdian masyarakat ini adalah untuk meningkatkan pengetahuan dan ketrampilan masyarakat, khususnya UMKM di bidang perancangan kontrak serta memberikan pelatihan agar UMKM dapat memiliki daya saing di era pandemic ini dengan memasarkan produknya di online market place. Pengabdian masyarakat ini dilaksanakan dengan memberikan penyuluhan secara hybrid, yang berisi penyampaian materi tentang perancangan kontrak dalam pengembangan dan pengelolaan pariwisata, kebijakan pemerintah untuk mendorong peran UMKM dalam menunjang pengembangan pariwisata daerah, yang dilanjutkan dengan tanya jawab (diskusi). Ruang lingkup yang menjadi sasaran kegiatan pengabdian masyarakat ini adalah wilayah Desa Kare, Kecamatan Kare, Kabupaten Madiun. Pelaksanaan kegiatan pengabdian masyarakat ini juga bekerjasama dengan Yayasan Senyum Desa yang memiliki jaringan di seluruh Indonesia, sehingga kegiatan yang terlaksana secara hybrid tidak hanya diikuti oleh masyarakat desa Kare, Kecamatan kare, Kabuaten Madiun tetapi juga oleh masyarakat di berbagai wilaya di dalam maupun luar Jawa Timur. Dengan pelaksanaan kegiatan ini, hasil yang diperoleh berupa panduan Teknik perancangan kontrak bagi masyarakat awam yang dapat diterapkan oleh UMKM dalam membuat kontrak. UMKM memiliki peran penting dalam turut mengembangkan pariwisata suatu daerah. Dalam membantu promosi produk local suatu daerah tentu tidak lepas dari kontrak/ perjanjian yang membingkai hubungan hukum para pihak, Dengan demikian, pengetahuan dan ketrampilan di bidang hukum kontrak sangat penting bagi pelaku UMKM.   The Urgency of Understanding Contract Design in the Development and Management of Tourism Objects in Kare Village, Madiun Regency The development of tourism objects is influenced by various components, each of which has different functions and roles that supports each other. During this pandemic, the tourism sector has been badly affected. The purpose of this community service activity is to improve the knowledge and skills of the community, especially MSMEs in the field of contract drafting and provide training so that MSMEs can have competitiveness in this pandemic era by marketing their products in online market places. This community service is carried out in hybrid counseling, which contains the material on contract design in tourism development and management, government policies to encourage the role of MSMEs in supporting regional tourism development, followed by a discussion session. The scope of this community service activity is the Kare Village area, Kare District, Madiun. The implementation of this community service activity is also in collaboration with the Senyum Desa Foundation which has a network throughout Indonesia, so that the activities carried out hybrid are not only joint by the people of Kare village, Kare sub-district, Madiun, but also by communities in various regions inside and outside East Java. With the implementation of this activity, the results obtained are in the form of a contract drafting technique guidance for ordinary people that can be applied by MSMEs in making contracts. MSMEs have an important role in developing tourism in an area. In assisting the promotion of local products in an area, of course, it cannot be separated from contracts/agreements that frame the legal relationship of the parties. Thus, knowledge and skills in the field of contract law are very important for MSME actors.  
Prinsip Kepentingan Terbaik Bagi Anak Akibat Pembatalan Perkawinan Orang Tua Sedarah Areta Edgina Apta Maharani; Agus Yudha Hernoko; Erni Agustin
Media Iuris Vol. 6 No. 1 (2023): MEDIA IURIS
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/mi.v6i1.40106

Abstract

AbstractHumans are created and born to live in pairs according to their life partners who have been determined by the destiny of the creator, therefore the desire for a stronger relationship is carried out through a marriage bond. Even though it has been strictly regulated by both Indonesian Marriage law and religious law, inbreeding or what is often known as incest. Incest is in fact still found in many communities. Incest is an English term that means inbreeding or discordant relationship. Inbreeding or discordant relationship is a relationship of mutual love that is sexual in nature and is carried out by couples who still have relatives or close family ties. This research aims to analyse the position of children born as a result of the annulment of incestuous marriage and to analyse the legal protection of children born as a result of the annulment of incestuous marriage. The type of research is normative research with a statutory approach and a case approach. The results show that the position of children born from incestuous marriage in civil terms despite the cancellation of marriage against both parents does not affect the status of the position of children born in the marriage and in the provisions of MUI Fatwa No.11 of 2012 provides legal protection to children born from incestuous marriage by imposing ta’zir punishment on the man who gave birth and caused his birth. AbstrakManusia diciptakan dan dilahirkan untuk melangsungkan hidup berpasang-pasangan sesuai dengan pasangan hidupnya yang telah ditentukan oleh takdir sang pencipta, oleh karena itu keinginan untuk hubungan yang lebih kuat dilakukan melalui sebuah ikatan perkawinan. Kendati pun telah diatur secara tegas baik oleh hukum Perkawinan Indonesia maupun hukum agama, perkawinan sedarah atau yang sering dikenal dengan sebutan incest. Incest ini faktanya masih banyak ditemukan di kalangan masyarakat. Incest merupakan istilah dalam Bahasa Inggris yang bermakna hubungan sedarah atau hubungan sumbang. Hubungan sedarah atau hubungan sumbang adalah suatu hubungan saling mencintai yang bersifat seksual dan dilakukan oleh pasangan yang masih memiliki ikatan kerabat atau ikatan kekeluargaan yang dekat. Penelitian ini bertujuan untuk menganalisis kedudukan anak yang lahir akibat pembatalan perkawinan orang tua sedarah serta menganalisis perlindungan hukum anak yang lahir akibat pembatalan perkawinan orang tua sedarah. Jenis penelitian adalah penelitian normatif dengan pendekatan perundang-undangan dan pendekatan kasus. Hasil penelitian menunjukkan bahwa kedudukan anak yang lahir dari perkawinan sedarah secara keperdataan meskipun adanya pembatalan perkawinan terhadap kedua orang tuanya tidak mempengaruhi status kedudukan anak yang lahir dalam perkawinan tersebut serta dalam ketentuan Fatwa MUI No.11 Tahun 2012 memberikan perlindungan hukum pada anak hasil perkawinan sedarah yaitu dengan cara menjatuhkan hukuman ta’zir kepada laki-laki yang membenihkan dan menyebabkan kelahirannya.
THE CHARACTERISTICS OF PROPORTIONALITY PRINCIPLE IN ISLAMIC CROWDFUNDING IN INDONESIA Roro, Fiska Silvia Raden; Hernoko, Agus Yudha; Anand, Ghansham
Jurnal Hukum & Pembangunan
Publisher : UI Scholars Hub

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Proportionality is a legal principle not only requires equility of the rights and obligations among parties based on competing values, but also has purpose to deliver justice among parties. This principle is in line with the Al Musawah principle in the Islamic contract or agreement which it also has the same goal: ad ‘adl wa tawazun. This principle is the implementation of the principle of good faith, the principle of transactions based on honesty including in terms of determining the profit margin. The research significance are to provide enhance knowledge about proportionality principle in Islamic crowdfunding in Indonesia, especially in financing contract in Islamic financial technology as a new business innovation scheme. This paper in order to promote the impartial perception and to harmonize the Islamic law and Indonesian laws. The type of the research is legal research. The research methods apply the conceptual approach to the the Islamic crowdfunding under proportionality principle in financing contract.
ASAS PROPORSIONALITAS SEBAGAI LANDASAN PERTUKARAN HAK DAN KEWAJIBAN PARA PIHAK DALAM KONTRAK KOMERSIAL Agus Yudha Hernoko
Jurnal Hukum dan Peradilan Vol 5, No 3 (2016)
Publisher : Pusat Strategi Kebijakan Hukum dan Peradilan Mahkamah Agung RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25216/jhp.5.3.2016.447-466

Abstract

In commercial contracts, the debates about 'fairness and balance' that led to the 'injustice and imbalance' position of the parties basically irrelevant to be disclosed. It is based on the consideration that the positions of the parties in commercial contracts is similar on the stage of the negotiation process (pre-contractual phase), the formation of the contract (contractual phase) and the execution of the contract (post-contractual phase). Meanwhile, the results of the exchange of the interests of the parties considered fair if it lasts proportionally. The proportionality of exchange of rights and obligations under commercial contracts do not demand results that are always balanced and same (equilibrium-mathematically), therefore the differences in the results are considered fair and reasonably acceptable if the exchange process of the rights and obligations stay proportional. Application of the principle of proportionality in the whole chain of contractual process is basically a manifestation of the doctrine of "fairness of contract" adopted and developed today.Keywords : the exchange of rights and obligations, the principle of proportionality,fairness doctrine in a contract